Credit Clinic Resources | Where to find impartial advice

When looking to fix your credit rating, the best option is to always find a non-profit company or charity to provide advice. Whilst we have provided some useful tips on how to repair your credit rating, we recommend that anyone with serious concerns over their debt level should contact an impartial advisor. We present below a number of resources that are able to provide advice that relates to your individual circumstances.

Debt Advice Services

Money Advice Service (MAS)

Money Advice Service Logo

An independent service set up by the government, the Money Advice Service sets out to advise people on how to manage their money, including debt problems, credit ratings and other financial issues. They can be contacted by email, via webchat, or on 0300 500 5000.

We also recommend the budget planner tool (MAS Budget Calculator) at the Money Advice Service which is designed to help you manage your money better. Visit this here: MAS Budget Calculator>

Step Change Debt Charity

Step Change Logo

Authorised and regulated by the Financial Conduct Authority (FCA), StepChange is a debt advice charity that seeks to raise awareness about problems and issues related to debt. It provides free, impartial advice and can help advise on a number of debt management problems. They have a freephone helpline on 0800 138 1111 or you can request a call back and send a message via their contact page.


PayPlan Logo

With over 20 years’ experience, PayPlan has successfully helped more than one million people deal with their debt problems. PayPlan offers free comprehensive advice, guidance and support for anyone struggling with debt. You can call them for free on 0800 280 2816 or

Debt Advice Foundation

Debt Advice Logo

A member of AdviceUK - the UK’s largest free support network and regulated by the FCA - the Debt Advice Foundation provide advice and support for those in debt, as well as launching initiatives to increase awareness of debt issues through research and school initiatives. You can call for free debt advice on 0800 043 40 50 or contact them via their website.

National Debtline

National Debtline Logo

The National Debtline provides free, independent advice on how to escape debt. Run by the Money Advice Service, they're a registered charity and are also part of the AdviceUK network. You can contact them on 0808 808 4000.

Citizens Advice Bureau

Citizens Advice Logo

The Citizens Advice Bureau is an independent and impartial charity that can provide advice on debt problems, as well as on your rights and help with cases of discrimination.

The Money Charity

The Money Charity Logo

The Money Charity aim to help people get on top of their debt problems through advice and education. They work with consumers, finance providers and government bodies to help improve services to prevent debt becoming a problem for people.



The website for government services, you can find lots of resources here on who to contact for help with debt issues, as well as anything government related.

For more from the Creditplus Credit Clinic

You can Diagnose your credit rating or find out what may be impacting your credit file in our Causes section, alternatively jump straight to Treatment to see some of the steps you can take towards improving your Bad credit score.  We would encourage you to make sure that you can afford your monthly repayments, for more advice please visit our Useful Tools section, which features: a Car Finance Calculator, Loan Affordability Tool and a Free Credit Rating Tool.